2025 · Missouri
Most active investment-property lenders in Missouri
In 2025, 14,413 investment-property loans were originated on single-family 1-4 unit homes in Missouri. These are the lenders that wrote the most of them, by HMDA-reported volume.
Missouri lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | Kiavi Funding, Inc. | DSCR / biz | 905 | $146M | 100% |
| 2 | United Shore Financial Services, LLC | DSCR / biz | 767 | $90M | 100% |
| 3 | The Central Trust Bank | DSCR / biz | 383 | $83M | 100% |
| 4 | BPL Mortgage Trust, LLC | DSCR / biz | 363 | $42M | 100% |
| 5 | First State Community Bank | DSCR / biz | 341 | $62M | 99% |
| 6 | First State Bank of St. Charles, Missouri | DSCR / biz | 261 | $45M | 100% |
| 7 | Southern Bank | DSCR / biz | 254 | $39M | 100% |
| 8 | Loan Funder LLC | DSCR / biz | 217 | $46M | 100% |
| 9 | RCN Capital, LLC | DSCR / biz | 206 | $34M | 100% |
| 10 | Flat Branch Mortgage, Inc. | Conventional | 201 | $34M | 2% |
Lenders with at least 10 reported investor originations in Missouri, top 10.
How investors borrow in Missouri
The rate premium, denial rate, and DSCR share in Missouri — Investor Financing Report.
Where Missouri cash-flows
Gross rental yield and top metros in Missouri — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in Missouri?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in Missouri were Kiavi Funding, Inc. (905 originations), United Shore Financial Services, LLC (767), and The Central Trust Bank (383). 14,413 investor loans were originated statewide.
Which Missouri lenders focus on DSCR / business-purpose loans?
Lenders whose Missouri investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include Kiavi Funding, Inc., United Shore Financial Services, LLC, The Central Trust Bank, BPL Mortgage Trust, LLC. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Run a Missouri deal
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.